In order to further promote the high-quality development of child welfare in our city, help solve the problem of medical assistance caused by accidental injury, illness, hospitalization care, etc., and realize the complementary linkage between basic medical insurance, serious illness insurance, charitable assistance and other systems, the Civil Affairs Bureau purchases personal accident insurance for children in difficulty.
Target: Children in distress with household registration in Jurong
Underwriting company: Jurong Branch of Chinese Life Insurance Co., Ltd
The specific insurance responsibilities are as follows:
【Non-Seriously Ill Children's Insurance Plan】
| Safeguard Liability | Sum insured | Period of insurance | insurance |
| Death due to accidental injury | 5000 yuan | Year | 200 yuan |
| Accidental dismemberment | 5000 yuan | ||
| Death from illness | 5000 yuan | ||
| Critical illness | 10,000 yuan | ||
| Accidental Injury Outpatient Medical Expenses | 2000 yuan (with medical insurance deductible of 0 yuan, compensation ratio of 100%) | ||
| Inpatient medical expenses | 200,000 yuan (with medical insurance deductible of 100 yuan, compensation ratio of 90%) | ||
| Hospitalization Allowance (Accident/Sickness Hospitalization Benefit) | 80 yuan/day |
【Seriously Ill Child Insurance Plan】
| Safeguard Liability | Sum insured | Period of insurance | insurance |
| Accidental dismemberment | 100,000 yuan | Year | 200 yuan |
| Accidental Injury Medical Expenses | 50,000 yuan (with medical insurance deductible of 0 yuan, compensation ratio 100%) | ||
| Accidental hospitalization benefit | 80 yuan/day | ||
| Sickness Hospitalization Allowance (including Pre-existing Medical Condition Benefit) | 200 RMB/day |
1. Accidental injury: refers to an external, sudden, unintentional, and non-disease objective event that causes physical injury.
2. Death due to accidental injury: If the insured dies due to accidental injury, a lump sum payment will be paid according to the death insurance benefit.
3. Accidental injury and disability: If the insured is disabled due to accidental injury, the corresponding proportion of the national work-related injury standard shall be multiplied by the disability insurance payment, and the maximum compensation shall not exceed the insurance premium.
4. Death from illness: The waiting period is 0 days
5. Outpatient medical treatment for accidental injury: The outpatient medical expenses incurred by the insured due to accidental injury shall be deductible of 0 yuan, and the compensation ratio shall be 100% (the expenses in the medical insurance catalog).
6. Inpatient medical treatment: The deductible for the inpatient medical expenses incurred by the insured due to accidental injury or illness is 100 yuan, and the compensation ratio is 90% (the expenses in the medical insurance catalog), of which the waiting period for hospitalization for the first insured disease is 30 days.
7. Hospitalization allowance: The insured person will be given a nursing subsidy of 80 yuan per day during the hospitalization period for a maximum of 180 days, of which the waiting period for hospitalization for the first insured disease is 30 days. Seriously ill children will be hospitalized with a subsidy of 200 yuan per day according to the actual number of days of hospitalization.
8. Critical illness: The waiting period for the first insurance is 30 days, and the insured person will pay a one-time insurance benefit if the insured person suffers from the critical illness referred to in this additional contract for the first time after the waiting period and is clearly diagnosed by a specialist doctor.
Project Leader: Zhang Zhen
Contact number: 13812364552
Editor: Zhang Mengmeng
Source: Jurong Civil Affairs (basic score 5)
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